Contractors & Construction Insurance
Whether you’re a general contractor, subcontractor, or tradesman, having the right insurance is essential to protect your business, equipment, and employees. At Pelican Shield Insurance Group, we specialize in contractor and construction insurance solutions designed to meet the unique risks of the industry in Florida and Virginia.
Build with Confidence – Protect Your Business
In construction, unexpected events can happen at any time—job site accidents, property damage, or project delays. Without the right insurance, your business could face expensive lawsuits, work stoppages, or financial losses.
At Pelican Shield Insurance Group, we provide comprehensive insurance solutions tailored to contractors and construction professionals in Florida and Virginia. Whether you need general liability, workers’ compensation, or builders’ risk coverage, we help secure your business so you can focus on building safely and successfully.
Essential Insurance for Contractors & Construction Businesses
Construction work comes with high-risk exposures, making industry-specific insurance coverage essential. The right policies protect your company from financial loss and keep you compliant with state regulations.
Covers injuries, property damage, and lawsuits resulting from your business operations, ensuring you’re financially protected if a client or third party files a claim.
Workers’ Compensation Insurance
Required by law in Florida and Virginia, this coverage protects your employees by covering medical expenses and lost wages from work-related injuries.
Builders’ Risk Insurance
Protects unfinished construction projects from damage due to fire, theft, vandalism, or severe weather, ensuring you don’t face unexpected financial setbacks.
Provides coverage for company-owned trucks, vans, and heavy equipment, protecting against accidents, vehicle damage, and liability claims.
Tools & Equipment Insurance
Covers theft, loss, or damage to your tools and machinery, ensuring you can replace essential equipment quickly and keep working.
Why Contractors Trust Pelican Shield Insurance Group
Protect Your Projects
We assist in reviewing subcontractor COIs to confirm they align with your policy standards — helping you stay compliant and avoid costly gaps in coverage.
Fast Turnaround You Can Count On
Our goal is to provide a 1-business-day turnaround on COI reviews for our clients, so you can keep your projects moving without unnecessary delays.
Independent Agency Advantage
We compare multiple carriers to find you the best coverage at the best price.
Contractors & Construction Insurance FAQs
What insurance is required for contractors in Florida and Virginia?
In Florida, contractors with one or more employees must carry workers’ compensation insurance, while in Virginia, it’s required for businesses with two or more employees. General liability insurance is often required for contractor licensing in both states, and commercial auto coverage is mandatory if you use company vehicles.
Does general liability insurance cover subcontractors?
Not always. Many general liability policies exclude subcontractors, which means contractors in Florida and Virginia may need additional coverage or require subcontractors to carry their own policies. We help you ensure your coverage is structured correctly to avoid gaps in protection.
What does builders’ risk insurance cover?
Builders’ risk insurance covers damage to a construction project while it’s in progress, including fire, vandalism, weather events, and theft. In hurricane-prone areas like Florida, special endorsements may be needed to cover wind and storm damage.
How much does construction insurance cost in Florida and Virginia?
Insurance costs vary based on business size, coverage limits, location, and the type of work performed. Contractors in coastal areas of Florida may pay higher premiums due to hurricane risks, while Virginia contractors may see differences based on licensing requirements and project types.
How can contractors lower their insurance premiums?
Contact UsMaintaining a strong safety record, using licensed subcontractors, implementing risk management programs, and bundling multiple policies can help lower insurance costs. We help contractors in Florida and Virginia find cost-effective solutions without sacrificing coverage.
